<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[Spinnaker Financial Advisors]]></title><description><![CDATA[Navigating Your Wealth with Care]]></description><link>https://www.spinnakerfinancial.com/blog</link><generator>RSS for Node</generator><lastBuildDate>Sat, 07 Nov 2026 15:01:01 GMT</lastBuildDate><atom:link href="https://www.spinnakerfinancial.com/blog-feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[Giving, Raises and Renewals: Your Fall Checklist]]></title><description><![CDATA[For many of our clients, generosity sits near the top of things that matter most to them. Supporting a church, a school, a local cause, or a family in need is about as clear an expression of values as money can make.]]></description><link>https://www.spinnakerfinancial.com/post/giving-raises-and-renewals-your-fall-checklist</link><guid isPermaLink="false">14c21668-7080-4cc7-bcfb-b599878551e3</guid><pubDate>Thu, 22 Oct 2026 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_7beb8ba18cca4e009c16e49f228d46f0~mv2.png/v1/fit/w_672,h_218,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[Spend Like You Mean It]]></title><description><![CDATA[Most of what gets written about spending is about restraint. Spend less, save more. Keep housing below a certain share of your income. Divide your paycheck into 50/30/20 buckets. Skip the latte. None of that is wrong. Those rules have helped a lot of people build a solid foundation, and we use versions of them ourselves. But they share a quiet assumption: that every dollar spent is a dollar lost, and the best financial life is the one that spends the least.]]></description><link>https://www.spinnakerfinancial.com/post/fourth-quarter-2026-spend-like-you-mean-it</link><guid isPermaLink="false">e5b06272-d863-4cf4-b78d-533983af156b</guid><pubDate>Wed, 14 Oct 2026 18:23:25 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_7beb8ba18cca4e009c16e49f228d46f0~mv2.png/v1/fit/w_672,h_218,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[How Can the Market Be Doing So Well When the News Is So Bad?]]></title><description><![CDATA[I have fielded a version of this question more times this year than almost any other: "Things feel terrible out there. War, layoffs, an economy that doesn't feel like it's working for regular people. So how is my account statement showing record highs?"]]></description><link>https://www.spinnakerfinancial.com/post/third-quarter-2026-how-can-the-market-be-doing-so-well-when-the-news-is-so-bad</link><guid isPermaLink="false">ba8f0ca3-02ed-41ca-b84e-195bf1980ff8</guid><pubDate>Fri, 10 Jul 2026 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_67f100bbd6484ae0aba1e26df3578d95~mv2.png/v1/fit/w_672,h_152,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[What Are Trump Accounts and Do They Belong in Your Family's Plan?]]></title><link>https://www.spinnakerfinancial.com/post/what-are-trump-accounts-and-do-they-belong-in-your-familys-plan</link><guid isPermaLink="false">a3dfb0ff-b5e1-4b29-9442-7375f5d7a449</guid><pubDate>Fri, 10 Jul 2026 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_67f100bbd6484ae0aba1e26df3578d95~mv2.png/v1/fit/w_672,h_152,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[Bear Markets Are the Price of Admission]]></title><description><![CDATA[There is a scene in investing that has played out in my office many times over the years. A client — often someone who has been calm and disciplined through years of steady markets — sits down and says something like, "This time feels different." The headlines are alarming. The world seems genuinely dangerous. And the question underneath it all is: should we do something?]]></description><link>https://www.spinnakerfinancial.com/post/second-quarter-2026-bear-markets-are-the-price-of-admission</link><guid isPermaLink="false">40f07d44-4e57-4d49-b042-d610d1058456</guid><pubDate>Fri, 10 Apr 2026 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_5b5208e7889d407ca5225f6ac0a2b12b~mv2.png/v1/fit/w_799,h_451,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[Making the Most of a Down Market: Five Tax Moves Worth Considering]]></title><description><![CDATA[If the first article made the case for staying invested, this one is about doing something more than just holding on. A declining market is not only survivable — for the patient and prepared investor, but actually, it can also be one of the most tax-productive periods of your financial life.]]></description><link>https://www.spinnakerfinancial.com/post/making-the-most-of-a-down-market-five-tax-moves-worth-considering</link><guid isPermaLink="false">0e0eeb2a-816a-42bc-813a-0bc583b5c0bc</guid><pubDate>Thu, 09 Apr 2026 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_576afacc6b384f948c714e4b647b64a8~mv2.png/v1/fit/w_672,h_124,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[2026 Tax Update]]></title><description><![CDATA[Every year, the formula for personal income taxes changes — sometimes due to Congressional action, and other times due to the IRS’s automatic cost-of-living adjustments. For the 2026 tax year, we’re seeing modest but significant increases across standard deductions, tax brackets, retirement savings limits, and Social Security thresholds that help taxpayers keep pace with inflation.]]></description><link>https://www.spinnakerfinancial.com/post/2026-tax-update</link><guid isPermaLink="false">f5752f42-ccb3-4e82-8c6d-479ab62038d7</guid><pubDate>Fri, 02 Jan 2026 07:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_ca62a0fba230450cb4c3c39f6908193e~mv2.png/v1/fit/w_672,h_152,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[Yet Another Year of Surprises]]></title><link>https://www.spinnakerfinancial.com/post/setting-sail-first-quarter-2026</link><guid isPermaLink="false">f282a74e-b5c4-47ab-a2ef-81868ddb1cbc</guid><pubDate>Thu, 01 Jan 2026 18:33:46 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_dd54b8922d8e4acdbffd4b86db307bfa~mv2.png/v1/fit/w_1000,h_509,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[The Power of Patient and Disciplined Investing]]></title><link>https://www.spinnakerfinancial.com/post/setting-sail-fourth-quarter-2025</link><guid isPermaLink="false">97553d9e-f8ba-4b50-8da4-e9ef47c6d4ee</guid><pubDate>Fri, 17 Oct 2025 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_28834edd9e4f470192697a31a59dd957~mv2.png/v1/fit/w_1000,h_667,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[When Inflation Cools, So Do I Bonds]]></title><description><![CDATA[Back in 2022, the Series I Savings Bond was the rare investment that checked both boxes — safe and high-return. Inflation was running at 40-year highs, and the government was paying an incredible 9.62% interest rate on I bonds to keep pace with soaring prices. It was an easy way to lend money to the U.S. Treasury and earn a return that actually kept up with inflation.]]></description><link>https://www.spinnakerfinancial.com/post/when-inflation-cools-so-do-i-bonds</link><guid isPermaLink="false">a21f19c4-2728-4958-afd3-6f89c9aa4522</guid><pubDate>Thu, 16 Oct 2025 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_e7c5b7c090ab4b07bdb5b0b9eccce584~mv2.png/v1/fit/w_672,h_120,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[The Dunning-Kruger Effect and the Danger of Overconfidence in Uncertain Times]]></title><description><![CDATA[In the past few months, headlines have been filled with weighty global events, including new tariffs on imported goods to the US, the ongoing conflict between Russia and Ukraine, and a volatile and dangerous war between Israel and Iran.]]></description><link>https://www.spinnakerfinancial.com/post/third-quarter-2025-the-dunning-kruger-effect-and-the-danger-of-overconfidence-in-uncertain-times</link><guid isPermaLink="false">a19e56b3-4439-4264-8287-c3648f272e93</guid><pubDate>Wed, 16 Jul 2025 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_a51465af327d4e74a31070471b3873f2~mv2.png/v1/fit/w_608,h_358,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[Breaking Down the One Big Beautiful Bill]]></title><description><![CDATA[On July 4th, President Trump signed the One Big Beautiful Bill Act (OBBBA).  Although beauty is in the eye of the beholder, it was certainly big.  The bill included provisions that included immigration and border security, Medicaid funding, energy policies, increasing the debt ceiling, military funding, and income taxes.  Part of our job is to keep you updated on changes to income taxes so we can manage that expense and keep more money in your pocket.  Let's review how this bill may affect...]]></description><link>https://www.spinnakerfinancial.com/post/breaking-down-the-one-big-beautiful-bill</link><guid isPermaLink="false">e236f7da-d032-4cca-978f-a918788424da</guid><pubDate>Thu, 10 Jul 2025 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_78519af38a984958aadaa1da5fe516e2~mv2.png/v1/fit/w_672,h_166,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[Tariff-ying Times]]></title><description><![CDATA[After setting an all-time high on February 19th of this year, U.S. equities have had a wild ride.  The obvious contributing factor to the drop in values is the new tariff policies.  Over the past month, the United States has significantly escalated its tariff policies under President Donald Trump's administration. On April 2, 2025, the "Liberation Day" tariffs were introduced, imposing a 10% baseline tariff on all countries and implementing reciprocal tariffs targeting nations with...]]></description><link>https://www.spinnakerfinancial.com/post/second-quarter-2025-tariff-ying-times</link><guid isPermaLink="false">2687938b-3198-4822-bf3b-936bf7473ee8</guid><pubDate>Thu, 24 Apr 2025 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_f6746f3c676f47dba0164c5070159b5d~mv2.png/v1/fit/w_1000,h_646,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[Adjusting our Sails]]></title><link>https://www.spinnakerfinancial.com/post/adjusting-our-sails</link><guid isPermaLink="false">a889718e-bf08-4f0b-87b3-0224e9d2ccf1</guid><pubDate>Wed, 16 Apr 2025 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_5ab91e434f1f47d6a8f4b0749ab90b96~mv2.png/v1/fit/w_581,h_582,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[25 Years Since 2k]]></title><description><![CDATA[As we begin this new year, we are also starting the second quarter of this century.  How time flies!  It doesn’t feel like that long ago when we were worried about the Y2K bug; having a cell phone was a status symbol, and we didn’t realize that Britney Spears was crazy.   As we make our way around the quarter pole of this century, let’s review the events that have shaped investors and various economic markers.]]></description><link>https://www.spinnakerfinancial.com/post/first-quarter-2025-25-years-since-2k</link><guid isPermaLink="false">66f51391-fb9f-4eae-aad0-c3e3fcf89ae7</guid><pubDate>Wed, 15 Jan 2025 07:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_b38b808e13e04fea91498363017ef1fa~mv2.png/v1/fit/w_1000,h_685,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[Another Year of Surprises]]></title><description><![CDATA[The least surprising part of 2024 is that it was filled with surprises.  Let’s review some of the events that shaped the economic and market news this past year.]]></description><link>https://www.spinnakerfinancial.com/post/another-year-of-surprises</link><guid isPermaLink="false">72edcf70-6b10-4491-99ba-a6567afb0fef</guid><pubDate>Thu, 02 Jan 2025 07:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_38dd3caad763409ea03c1b7e05616802~mv2.png/v1/fit/w_672,h_170,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[2025 Income Tax Update]]></title><description><![CDATA[Every year, the formula for personal income taxes changes at least a little bit.  Some of these changes are made by Congress, and others are simply cost-of-living adjustments that the IRS calculates according to the tax code. ]]></description><link>https://www.spinnakerfinancial.com/post/2025-income-tax-update</link><guid isPermaLink="false">307c4cd5-031e-4be5-8b48-0c02f2d7818c</guid><pubDate>Thu, 02 Jan 2025 07:00:00 GMT</pubDate><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[The Cost of Certainty]]></title><description><![CDATA[A common theme throughout my time as a financial advisor is being asked the question, “How will today’s news event impact the stock market (and therefore my account)?”  Every few weeks, there is a new topic of conversation, but the question is essentially the same.  Then, every four years, the question is exactly the same as four years prior, “What is the impact of the presidential election on the stock market?” ]]></description><link>https://www.spinnakerfinancial.com/post/fourth-quarter-2024-the-cost-of-certainty</link><guid isPermaLink="false">52fb9201-a9b5-45e4-bccd-4b24c5c8468d</guid><pubDate>Mon, 21 Oct 2024 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_7693d2f36067477d88e03b45d36c7124~mv2.png/v1/fit/w_975,h_429,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[Understanding the Beneficial Ownership Information Requirement]]></title><description><![CDATA[In an effort to combat financial crimes such as money laundering, tax evasion, and corruption, the United States has implemented significant regulations surrounding beneficial ownership information (BOI). The Corporate Transparency Act (CTA), enacted in January 2021, mandates specific requirements for reporting beneficial ownership.]]></description><link>https://www.spinnakerfinancial.com/post/understanding-the-beneficial-ownership-information-requirement</link><guid isPermaLink="false">1535dbfe-d44a-469e-8e0f-f5c8e17a5516</guid><pubDate>Tue, 15 Oct 2024 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_ee3bd652399348d2a6cdced7254cd9a1~mv2.png/v1/fit/w_644,h_362,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item><item><title><![CDATA[The Seduction of Pessimism]]></title><description><![CDATA[The Somber Seventies were a period of existential environmental catastrophism. A scientist named Paul Ehrlich wrote a best-selling book called The Population Bomb and became a media darling. Ehrlich appeared on the Johnny Carson show at least 20 times, cheerfully predicting that with the population growing and the earth running out of resources, hundreds of millions of people were going to starve to death in the coming decade.]]></description><link>https://www.spinnakerfinancial.com/post/second-quarter-2024-the-seduction-of-pessimism</link><guid isPermaLink="false">c122c8c0-4948-4344-975d-490e163e1e54</guid><pubDate>Wed, 17 Apr 2024 06:00:00 GMT</pubDate><enclosure url="https://static.wixstatic.com/media/b1aaf1_8c2c2bed3c554261bba8565f95e9a9c9~mv2.png/v1/fit/w_547,h_547,al_c,q_80/file.png" length="0" type="image/png"/><dc:creator>Alan Campbell CFP®</dc:creator></item></channel></rss>